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Household financial stability - Publications


Bridges — Winter 2017-2018

Bridges is a quarterly review of regional community and economic development issues, projects, and regulatory changes for practitioners from community-based organizations, as well as for CRA officers, academics, and government officials that work in the Eighth Federal Reserve District. Feature articles in the Winter 2017-2018 issue include: New St. Louis Fed Tool Dives Deep into Community Investment; Cash on Hand Is Critical for Avoiding Hardship; Connecting a Memphis Community to the Built Environment through Equity; Investment Connection: The St. Louis Fed’s New Approach to CRA; CRA: An Examiner’s Perspective – Questions to Ask Workforce Development Partners; and more.

Community Pulse (December 2017)

This issue of the Community Pulse presents the findings from our 2017 survey. Amount of/and or access to affordable housing, skill level of local labor force and general poverty were the top three current issues in the fifth district.

5th District Footprint: Debt-to-Income Ratio-Based Mortgage Denials in the Fifth District

In this issue of 5th District Footprint, the Richmond Fed examines the change in the percentage of mortgage denials based on the applicant’s debt-to-income ratio from 2013 to 2014 and from 2014 to 2015.

Concentrated Poverty in the Southeast: A Tale of Two Regions

How have patterns of concentrated poverty changed in the Southeast since the Great Recession? This article previews an Atlanta Fed paper that explores this question. 

Exploring Economic Trends in the Southeast

In September 2015, news headlines touted a large jump in U.S. household incomes. How did states and communities across the Southeast fare? Did they keep up with the national trend? This article uses recent U.S. Census Bureau data to provide a snapshot of the economic well-being of states across the Southeast

Minding the Gaps: Household Financial Stability in the Southeast

This article uses data from the Federal Reserve Board of Governors' 2015 Survey of Household Economics and Decisionmaking, or SHED, to examine the financial well-being of households across the Southeast in the aftermath of the Great Recession.

The Quest for Durable and Inclusive Economic Growth

Data show a persistent widening of income inequality in this country. How can communities establish economic growth that is both strong and inclusive? This article looks at a South Florida effort to improve prosperity for all and create a more resilient local economy. 

Putting a Human Face on Eviction

Quality housing is increasingly out of reach for low- and moderate-income households in the United States. For policymakers and researchers, the issue can often be seen as an abstraction, with discussion centering on housing prices, average ratios of rent-to-income, and "demographic change." This article highlights an Atlanta Fed event that highlighted some of the human stories hidden in the numbers.

Understanding Heirs' Properties in the Southeast

Heirs' properties are parcels of land inherited by descendants of a previous owner who did not leave a will. This type of ownership is widespread in the Southeast and disproportionately found in low-income ethnic and racial minority families. This article examines the social and economic issues associated with these properties. 

Tracking Informal Mortgages on Rental Properties

This article analyzes real estate transaction data to understand trends in multifamily informal mortgages and the market conditions in which they are likely to occur.

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